2021 HNL to CAD Historical Review

YEARLY HIGH

0.0541 CAD

YEARLY LOW

0.0500 CAD

YEARLY AVERAGE

0.0520 CAD

2021 HNL to CAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to CAD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 22, valuing the pair at 0.0541. Conversely, the yearly low was recorded on June 2, dropping to 0.0500.

This high-to-low spread represents a total annual volatility of 0.0041 CAD. From a start-to-finish perspective, comparing the January average rate of 0.0525 to the December average rate of 0.0527, the exchange rate registered a net change of 0.41% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0541 was down 7.16% compared to the 2020 peak of 0.0582, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HNL based on timing:

Yearly Peak High 270 CAD

2020 Average 271 CAD

Yearly Trough Low 250 CAD

Transaction Impact: A difference of 20.43 CAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0532

0.0501

JanuMarcMayJulySeptNove

HNL to CAD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.0517, compared to 0.0524 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.0517

H2 Avg (Jul–Dec) 0.0524

Volatility Range Comparison

Volatility

The most volatile month in 2021 was July, with a trading range of 0.0023 CAD (High: 0.0536 / Low: 0.0513). On the other end, September was the most stable month, with a tight range of 0.0008 CAD (High: 0.0530 / Low: 0.0522).

July Spread (Volatile) ±0.0023

September Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0016 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2021: 0.0530) against the same month in 2020 (average: 0.0536), the exchange rate shifted by -0.0006 (-1.06%).

2021 Avg (August) 0.0530

2020 Avg (August) 0.0536

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0531	0.0509	0.0525
February	0.0530	0.0515	0.0524
March	0.0523	0.0511	0.0519
April	0.0524	0.0509	0.0519
May	0.0510	0.0500	0.0503
June	0.0519	0.0500	0.0509
July	0.0536	0.0513	0.0524
August	0.0541	0.0522	0.0530
September	0.0530	0.0522	0.0526
October	0.0523	0.0510	0.0515
November	0.0529	0.0512	0.0521
December	0.0532	0.0518	0.0527